steve, let's start with you with your cancellation. you were paying $877 a month for your family of four with the $3500 deductible. the new plan is $512 a month but with a $12,000 deductible. what is your reaction? >> let me mention good morning, chris, i want to say about that the $500 policy that you are looking at is a shorter network. it is not the same network i can use. if i was to pair up the networks and have a policy that is comparable to mine there is non. my out of pocket is $3500 and everything else is paid at 100%. the closest thing i could find was $12,000 out of pocket for my family. there is a huge difference in there and i looked lthrough all of the different plans. either you pay 60% more in premiums and more out of pocket. >> let's bring in kai. you were cancelled by blue cross, blue shield of georgia and you said it could cost you 60 to 70% more in premiums. >> i have had my policy in effect for over three and a half years and received a letter in the mail that it would be conkeco cancelled. i have to make payroll e